Bank Credit, All Commercial Banks
H8B1001NCBCMG • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
5.20
Year-over-Year Change
-18.75%
Date Range
2/1/1947 - 6/1/2025
Summary
Bank Credit, All Commercial Banks tracks the total lending volume across U.S. commercial banking institutions. This metric provides critical insight into credit availability, economic expansion, and financial system health.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
This economic indicator represents the aggregate lending activity of commercial banks, including loans, leases, and investment securities. Economists use it as a key barometer of credit market conditions and potential economic growth potential.
Methodology
Data is collected through mandatory Federal Reserve reporting requirements from all insured commercial banking institutions in the United States.
Historical Context
Policymakers and financial analysts use this trend to assess monetary policy effectiveness, credit market dynamics, and potential economic stimulus opportunities.
Key Facts
- Represents total lending across all U.S. commercial banking institutions
- Includes loans, leases, and investment securities
- Serves as a leading indicator of economic expansion potential
FAQs
Q: What does bank credit indicate about the economy?
A: Bank credit reflects lending activity and potential economic growth, with increased lending typically signaling economic expansion and business confidence.
Q: How frequently is this data updated?
A: The Federal Reserve updates bank credit data weekly, providing current insights into lending trends and financial market conditions.
Q: Why do economists track bank credit?
A: Economists use bank credit as a key indicator of financial system health, credit market dynamics, and potential economic stimulus opportunities.
Q: How does bank credit relate to monetary policy?
A: Bank credit volumes help policymakers assess the effectiveness of monetary policy and potential interventions in credit markets.
Q: What are the limitations of this data?
A: While comprehensive, bank credit data does not capture all lending activities, such as non-bank financial institutions or private lending.
Related News
U.S. S&P 500 Represents New Market Normal, Says BofA Analysis
S&P 500 Unveils 'New Normal' in U.S. Equity Markets The S&P 500evident in recent performance trends, which is a major index in the world of U.S. st...
Gen Z In the U.S. Shifts From Spending To Saving Habits
How Gen Z's Shift from Spending to Saving is Impacting the US Economy Recent trends indicate a significant shift in the spending habits of Gen Z, w...
S&P 500 Rises With Optimistic U.S. Inflation Report
S&P 500 Soars: Positive U.S. Inflation Developments The S&P 500, a primary stock index that tracks the performance of 500 major U.S. companies, has...
U.S. Stock Market Futures Rise On Inflation and Tariff News
US Stock Market Futures Rise Amid Inflation Data and Tariff News US stock market futures are on the rise, driven by significant updates in inflatio...
U.S. Treasury Yields Decline After Inflation Data Meet Expectations
US Treasury Yields Drop as Inflation Data Meets Expectations US Treasury yields have seen a noticeable decline recently, as the latest inflation da...
U.S. Stock Market Rises Amid PCE Inflation Report Analysis
U.S. Stock Market Climbs Amidst Insights from PCE Inflation Report Investors in the U.S. stock market are focusing on the most recent PCE Inflation...
Related Trends
Other Loans and Leases: All Other Loans and Leases, All Commercial Banks
H8B3305NCBCMG
Real Estate Loans: Residential Real Estate Loans, All Commercial Banks
H8B1221NCBCMG
Total Assets, Interest-Earning, All Loans and Leases, Gross, Secured by Real Estate, Banks Ranked 1st to 100th Largest in Size by Assets
LSRET100EP
Commercial and Industrial Loans, All Commercial Banks
H8B1023NCBCMG
Other Securities: Mortgage-Backed Securities, All Commercial Banks
H8B1303NCBCMG
Real Estate Loans: Residential Real Estate Loans: Closed-End Residential Loans, All Commercial Banks
H8B1220NCBCMG
Citation
U.S. Federal Reserve, Bank Credit, All Commercial Banks [H8B1001NCBCMG], retrieved from FRED.
Last Checked: 8/1/2025